UK travel insurance

Hi, any recommendations for IK travel insurance companies please? Or "key words" to use? TNBC diagnosed may 2020, surgery, chemo and rads all done by Nov 2020, but having bisphosphonates for 3 years.

Many thanks

L.

  • Hello L,

     

    Thanks for getting in touch.

     

    Just to make you aware we can’t recommend any financial products or services but hopefully you may find the following information helpful

    Firstly It may worth looking on our online community. We have a helpful travel insurance group here. On this page people affected by cancer discuss their experiences trying to get travel insurance and post recommendations of companies they’ve personally used. By using the information provided by others who have been in a similar position, hopefully you can make a shortlist of companies to try. 

    Do you have any travel insurance cover in place through your bank account or a credit card? They won’t usually automatically cover for pre-existing health conditions, but if you’ve got this cover already through a product it’s worth checking on. They may be able to offer full cover if a top-up fee is paid.

    You’ve probably already realised when applying for cover so far, that a lot of companies will ask you very similar or even the same questions. The medical screening systems they use are often the same, which leads to a bit of repetition with the questions. Please don’t let this put you off, despite being asked similar questions each company will have their own quote at the end if they can offer cover – so it is worth persisting and shopping around. If you’re struggling to properly explain your situation with the questions asked, you can ask if it’s possible for the company to manually underwrite the policy. This is where a person would look at your health situation and decide whether to offer cover and at what price, rather than a computer making the decision. Some companies may do this as their standard procedure.

    You may encounter some companies that offer a policy with a cancer-related exclusion. This means you wouldn’t be covered for any claims relating to the cancer. This could affect the premium considerably, but it’s good to consider the risk of not being covered for anything relating to the cancer.

    Some companies might also ask for a letter from a medical professional confirming that you’re fit to travel. Not all companies do this and if one does, it might only be if a claim needs to be made rather than at the time the insurance is taken out. It might be a good idea just to have a quick chat with your doctor though to make sure all is okay in case you are asked.

    One last thing I’d like to mention is about the insurance those you’re travelling with have. Some policies may cover cancellation if something happens to a ‘close family relative’. The exact cover would be explained in your policy documents, it’s a good idea to check exactly what may be covered. Some companies may only cover cancellation due to a close relative’s illness if it was disclosed and they were told about the person’s health conditions beforehand.

     

    I hope this information helps and that you’re able to get cover in place.

     

     

    Kind regards.

     

     

    Will Quinn

    Financial Guide

     

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    Will
    Financial Guide

    The Financial Guidance Service will not recommend that you buy, sell or cancel a specific financial product from any company. As a guidance service, we do not provide financial advice and we are not regulated by the Financial Conduct Authority

    The aim of the Financial Guidance Service is to provide you with the information you need to make informed decisions about your personal finances. For financial advice, including recommendations to buy, sell or cancel specific financial products, you should speak to a financial adviser who is suitably qualified and regulated by the Financial Conduct Authority.